Assuming that you borrowed no more than Ã‚Â£24001.00 (things changed last year but as you are 2 years in, it doesn't effect you) you will fall under the consumer credit act 1971. You are entitled to return the vehicle once you have paid back 50% of the Total cost of the vehicle. Have a look at your agreement, it should tell you the amount that will get you to VT stage. Simply take that figure, deduct any deposit paid and divide that figure by your monthly payment and you will have how many months from the start of the agreement to go. 24 months in, you probably will have reached VT stage unless your MGFV is a huge % of purchase price. Or of course, call VAG finance and ask am I at VT point yet?

If you do VT though, be carefull, they will back charge you if they have to service the car, repair any non wear and tear damage etc for huge amounts. Finance companies don't like it but that's your right but play the game. Think Easy Jet/ Ryanair with hold baggage/ oversized hand luggage. They will fk you if you get the rules wrong. If you need any help with it, feel free to PM me.

If you're at VT stage, but 20,000 miles over the agreed, can you still VT and just pay Â£0.07 x 20,000?

Assuming that you borrowed no more than Â£24001.00 (things changed last year but as you are 2 years in, it doesn't effect you) you will fall under the consumer credit act 1971. You are entitled to return the vehicle once you have paid back 50% of the Total cost of the vehicle. Have a look at your agreement, it should tell you the amount that will get you to VT stage. Simply take that figure, deduct any deposit paid and divide that figure by your monthly payment and you will have how many months from the start of the agreement to go. 24 months in, you probably will have reached VT stage unless your MGFV is a huge % of purchase price. Or of course, call VAG finance and ask am I at VT point yet?

If you do VT though, be carefull, they will back charge you if they have to service the car, repair any non wear and tear damage etc for huge amounts. Finance companies don't like it but that's your right but play the game. Think Easy Jet/ Ryanair with hold baggage/ oversized hand luggage. They will fk you if you get the rules wrong. If you need any help with it, feel free to PM me.

Thanks, I'll give them a call tomorrow if I get time. Minus my agreement references since that's all at home

It was serviced 2 months ago, and isn't due again for another 15k or so.. so hopefully they can't pick me up for too much, it's in perfect condition imho.

One thing ... VT doesn't apply on half the amount financed but half the total credit price.

So assuming that the deal goes something like this (completely made up figures)

Deposit £2k36 Monthly payments of £400MGFV £7k

Total credit price £23400 then the VT point is at £11700 paid, or £9,700 of finance payments ... or 24.25 months.

On those numbers you would still owe very slightly under £11k so if the car is actually worth £11k or more you'd be mad to VT... you can still sell a car, especially to the trade, as long as the finance is paid off at or before the final payment is due (e.g., by bank loan). So VT only ever makes sense if in negative equity.

Had a customer call me yesterday about a commercial vehicle we have in stock.

Our commercial bloke is on holiday at the moment so I said I would try and help him out.

He was out of area and wanted to know how much his PX was worth. I said that we don't give values without seeing the car, but as he was a long way, if he sent me the photos and details I would try my best.

I left it at that.

No email.

Then at 4pm today, we get a phone call from an irate chap wanting to speak to my manager to make a formal complaint as he had sent the pictures and got no response.

I never got the pics.

I don't see why people feel the need to kick off like that, proper annoyed me. If he'd rung me and said 'Hi, I sent the pics but didn't get an email back' I'd have helped him out, instead I'm refusing to deal with him and have passed him to someone else.

Then at 4pm today, we get a phone call from an irate chap wanting to speak to my manager to make a formal complaint as he had sent the pictures and got no response.

I never got the pics.

I don't see why people feel the need to kick off like that, proper annoyed me. If he'd rung me and said 'Hi, I sent the pics but didn't get an email back' I'd have helped him out, instead I'm refusing to deal with him and have passed him to someone else.

I'm over it. Honest

Seriously? I take it you just sell cars for the fun of it and don't need to earn any money?

Then at 4pm today, we get a phone call from an irate chap wanting to speak to my manager to make a formal complaint as he had sent the pictures and got no response.

I never got the pics.

I don't see why people feel the need to kick off like that, proper annoyed me. If he'd rung me and said 'Hi, I sent the pics but didn't get an email back' I'd have helped him out, instead I'm refusing to deal with him and have passed him to someone else.

I'm over it. Honest

Seriously? I take it you just sell cars for the fun of it and don't need to earn any money?

Best way to deal with tw@t customers, sell them something!

Sometimes you meet someone and you just know the stress involved won't be worth the commission!!!

Then at 4pm today, we get a phone call from an irate chap wanting to speak to my manager to make a formal complaint as he had sent the pictures and got no response.

I never got the pics.

I don't see why people feel the need to kick off like that, proper annoyed me. If he'd rung me and said 'Hi, I sent the pics but didn't get an email back' I'd have helped him out, instead I'm refusing to deal with him and have passed him to someone else.

I'm over it. Honest

Seriously? I take it you just sell cars for the fun of it and don't need to earn any money?

Best way to deal with tw@t customers, sell them something!

Sometimes you meet someone and you just know the stress involved won't be worth the commission!!!

Indeed. Obviously I do it for money, but I put my own mental health before selling anything. People who are wanting to put written complaints in about you after 24 hours are NOT the type I want to deal with.

This attitude surprises me, some of my most profitable deals have been with awkward/difficult customers. A lot of them know they're difficult and find it surprising and pleasant when someone can be bothered to deal with them.

This attitude surprises me, some of my most profitable deals have been with awkward/difficult customers. A lot of them know they're difficult and find it surprising and pleasant when someone can be bothered to deal with them.

There's a difference between 'difficult' and 'an absolute wker' though.

I don't mind if someone is difficult, if someone starts threatening with written complaints after 24 hours they are more likely to be the latter.

This attitude surprises me, some of my most profitable deals have been with awkward/difficult customers. A lot of them know they're difficult and find it surprising and pleasant when someone can be bothered to deal with them.

There's a difference between 'difficult' and 'an absolute wker' though.

I don't mind if someone is difficult, if someone starts threatening with written complaints after 24 hours they are more likely to be the latter.

Try as you are sitting with them. Customers turns up 2 hours early for a Saturday appointment and doesn't quite understand that we do actually see more than one person a day, so ask him to please take a seat as I wont be long finishing with the chap i'm with. Sales manager collars me 10 minutes later as he has an irate customer on the line and wants to know what it is about........luckily I have a sales manager who has trod the boards and knows what ste customers sometimes say. walks over to customer and basically tells him to do one, on the basis that if he is prepared to lie in order to 'drop me in st now', what will he be like later down the track.....